Global Citizen Insurance

  • Global Citizen has three tiers of coinsurance 100% outside the US, 80% in network inside the US and 60% out of network inside the US.
  • No limit on the time spent in or out of US.
  • No waiting period associated with any preventive services.
  • No precertification required except for transplants.
  • The pre-existing condition exclusion can be waived with proof of prior creditable insurance.
  • Brochures
  • Application
  • Example
  • Advantages
  • Disadvantages
  • Comprehensive
 
Plan Summary
Underwriter
  • Underwritten by HM Life Insurance Company.

Eligibility
  • All U.S. citizen living aboard who are 74 or younger at the time of application are eligible to apply for the coverage.
  • All U.S. residents (citizens and foreign nationals) residing in an approved state 74 years or younger at the time of application.

Plan Options
  • Policy Maximum?: Unlimited
  • Deductible?: US$0 and US$25,000.
  • Coinsurance?: Plan will pay 100% of the covered amount.
  • Pre-Existing Condition Coverage:
    Benefits are not available for any services received: (1) on or within 6 months after the eligibility date of an insured person who is not a late enrolled; or (2) on or within 6 months after the effective date of coverage for a late enrollee.
    180 day exclusionary period which is waived if creditable coverage can be proved.
  • Accidental dental: $1000 per year, $200 per tooth.
 
Plan Details
Insurers waives deductible
  • Repatriation of Remains: Upto $25,000 (Outside U.S)
  • Accidental death and dismemberment (excludes loss due to common carrier accident): Sum upto $50,000
  • Medical Evacuation: Upto $250,000 (Outside U.S)
 
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